What Coverages Are Available Through Dog Walker Policies?
Coverage choices may vary from one dog walker policy to another, but there are several protections that many policies offer:
- General Liability Coverage, which may cover commonplace accidents affecting third parties
- Commercial Auto Coverage, which may cover a business-owned vehicle
- Animal Bailee Coverage, which may cover animal injury, death and loss
- Lost Key Coverage, which may cover rekeying expenses if a key is lost
- Errors and Omissions Coverage, which may cover incorrect advice given to clients
Errors and omissions coverage is frequently shortened to E&O coverage.
Do Dog Walking Policies Offer Workers Compensation?
Workers' compensation usually protects against workplace injuries, which are an obvious concern when handling unfamiliar dogs. Most businesses that have employees are required to purchase the coverage, and self-employed dog walkers might also want the coverage.
In the case of a self-employed business owner, workers' compensation might fill in a gap that's left by many health insurance policies. Health insurance often doesn't cover workplace injuries, which is where workers' compensation may be helpful.
Regardless of whether it's purchased for employees or self-employed, though, workers' compensation isn't frequently a coverage that's made available through dog walking policies. Instead, it's more often purchased via a separate workers' compensation policy that provides one coverage. Workers' compensation policies are readily available, and any agent that assists with dog walking policies should be able to help with workers' compensation as well.
How Much Are Premiums for Dog Walking Policies?
Premiums for dog walking policies tend to be affordable, although rates do differ among policies and situations. A few factors that typically impact cost are a dog walker's location, services offered, size of business and past claims history. Coverage selection also impacts a policy's premiums, of course.
Dog walkers can easily and quickly get customized quotes by talking with an independent insurance agent. Independent agents are free to show policy options from most insurance companies, which makes it easy to see what each company will charge in light of these (and other) factors.
How Can Massachusetts Dog Walkers Get Good Dog Walker Insurance?
For help finding dog walker insurance in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents will work closely with you to determine coverage needs, and then we'll help you find the best policy that provides those coverages.